Senior Living Insurance and Consulting

Gallagher Senior Living and Consulting supports senior living communities as they navigate evolving risks, with tailored insurance, risk management and data-driven insights. Our expertise ensures financial stability, compliance and operational efficiency, so you can focus on providing exceptional care. Let’s build a safer, more resilient future together.

Meeting the dynamic needs of senior living communities

The senior living industry is evolving rapidly, with rising costs, regulatory shifts and changing resident expectations that demand a proactive approach. We understand that running a senior living community is about more than just providing care — it's about ensuring long-term sustainability while managing complex risks.

Our team partners with you to build strong, comprehensive risk management and insurance solutions that align with your organization's mission and financial goals.

Addressing the most current senior living challenges

Keeping your community safe, financially stable and attractive to residents means staying ahead of industry challenges. Our team helps you proactively manage risks, ensuring that you can operate with confidence and focus on providing outstanding care.

The expectations of residents and their families are also changing, requiring communities to provide not just care but an enhanced living experience. By combining data-driven insights with industry expertise, we help you anticipate risks, optimize operations and create a thriving environment for both residents and staff.

Employee shortages: We support stronger teams with benefits strategies and workplace culture solutions that boost retention and satisfaction.

AI and cybersecurity: Our guidance helps you embrace innovation while managing emerging risks with confidence.

Litigation and liability: We deliver proactive coverage strategies that strengthen your defense in an increasingly complex legal environment.

Sustainability: Our analytics-driven insights reveal cost-saving opportunities that drive efficiency and long-term resilience.

Customized solutions for a transforming industry

With decades of experience in senior living solutions, we help you anticipate challenges and implement proactive strategies that protect your organization and the people you serve.

A well-structured insurance program does more than protect against potential losses: It strengthens your community's resilience, allowing you to focus on what matter most.

Customized insurance solutions

One-size-fits-all policies don't work in senior living. We tailor coverage based on your community's specific risk profile, considering factors like resident acuity levels, location and service offerings.

Strategic risk management

A proactive approach reduces incident frequency. We help you implement safety programs, staff training, fall prevention initiatives and emergency preparedness plans to minimize risks before they escalate.

Litigation and liability strategies

The rise in lawsuits and liability claims demands stronger risk management strategies. We provide legal risks assessments, claims advocacy and proactive compliance guidance to help you stay ahead of potential threats.

Regulatory compliance support

Senior living regulations are constantly evolving at the state and federal levels. We help you navigate compliance requirements, minimizing the risk of violations and ensuring your policies align with best practices.

Data-driven decision making

Leveraging Gallagher Drive® and CORE360®, we provide real-time insights to optimize your insurance strategy, improve operational efficiency and identify emerging risks before they become liabilities. Our analytics help you optimize your insurance strategy, enhance operational efficiency, uncover trends and identify emerging risks before they escalate into costly liabilities.

By staying ahead of industry shifts, leveraging advanced analytics and tailoring solutions to your specific needs, we help you build a stronger foundation for sustainable growth. With our dedicated team — much like a trusted physician overseeing a patient's wellbeing — we diagnose risks, prescribe customized solutions and provide ongoing care to keep your organization strong and resilient, ensuring your residents, staff and mission thrive.

Success story: Optimizing and reducing costs for a senior care provider

The challenge

A large North Carolina home health provider faced rising insurance premiums and gaps in coverage that left them vulnerable to financial and operational risks.

The solution

We conducted a comprehensive review of their insurance program, identifying opportunities for coverage enhancements and cost savings. We restructured their program by adjusting deductibles and limits, doubling abuse and molestation coverage at no additional cost and adding key protections like employment practices liability and cyber coverage.

The result

Over a two-year period, the provider achieved more than $161,000 in workers' compensation premium savings (over 35%) with additional future fund distributions averaging 34% annually. With increased limits, including a $1.5 million in employer liability coverage and a restructured program aligned with operational realities, this client is now better protected, more efficient and future-ready.

Dan Gilhooly

Managing Director, Senior Living Practice

Rolling Meadows, IL

Phone Number (312) 803-6367